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	<title>NC FHA Expert &#187; FHA LOANS</title>
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	<link>http://ncfhaexpert.com</link>
	<description>Helping NC&#039;s Home Buyers!</description>
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		<title>FHA Underwriting Guidelines for NC</title>
		<link>http://ncfhaexpert.com/fha/fha-underwriting-guidelines-for-nc/</link>
		<comments>http://ncfhaexpert.com/fha/fha-underwriting-guidelines-for-nc/#comments</comments>
		<pubDate>Mon, 21 Nov 2011 22:57:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[credit score requirements]]></category>
		<category><![CDATA[fha condo guidelines]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[fha pmi]]></category>
		<category><![CDATA[FHA Programs]]></category>
		<category><![CDATA[maximum fha loan limit]]></category>
		<category><![CDATA[non occupying co borrower]]></category>
		<category><![CDATA[underwriting guidelines fha]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1847</guid>
		<description><![CDATA[We talk to people everyday who have questions about qualifying for a FHA Mortgage Loan in NC.  FHA Underwriting Guidelines, are actually pretty straightforward.  Unlike qualifying for a VA Mortgage loan (where you must be a qualifying Veteran) or a USDA Home Loan (that requires that you meet income limits for your county and the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Guidelines to Qualify &#8220;Rent to Own&#8221; in NC</title>
		<link>http://ncfhaexpert.com/fha/fha-guidelines-to-qualify-rent-to-own-in-nc/</link>
		<comments>http://ncfhaexpert.com/fha/fha-guidelines-to-qualify-rent-to-own-in-nc/#comments</comments>
		<pubDate>Thu, 05 May 2011 17:57:35 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[downpayment]]></category>
		<category><![CDATA[fha cary]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[FHA Programs]]></category>
		<category><![CDATA[foreclosed property]]></category>
		<category><![CDATA[rent to own]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[usda home loan]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[VA Mortgage Loan]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1166</guid>
		<description><![CDATA[Rent-to-own agreements and or sales that take place between a tenant and landlord have special FHA Guidelines. Often times, when someone moves to our area with a short sale, or previous forced foreclosure in their past &#8211; they will rent a home here until their &#8220;waiting period&#8221; is over. If you are in this situation, [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-guidelines-to-qualify-rent-to-own-in-nc/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>USDA Home Loans and Deferred Student Payments</title>
		<link>http://ncfhaexpert.com/usda-loans/usda-home-loans-and-deferred-student-payments/</link>
		<comments>http://ncfhaexpert.com/usda-loans/usda-home-loans-and-deferred-student-payments/#comments</comments>
		<pubDate>Sun, 13 Mar 2011 17:52:44 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[USDA Home Loans]]></category>
		<category><![CDATA[deferred student loans]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[student loans]]></category>
		<category><![CDATA[usda home loan]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[USDA Mortgage Loans]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[VA Mortgage Loan]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1241</guid>
		<description><![CDATA[People are moving to Raleigh, and staying in the Triangle because we have jobs. Folks who are considering putting down roots here, and getting a North Carolina Home Loan need to learn more about how their Student Loans will be viewed by Underwriting Guidelines. Whether it is a USDA Home Loan, an FHA Loan, or [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA PMI Changes 4/18/2011 &#8211; Again</title>
		<link>http://ncfhaexpert.com/fha/fha-pmi-changes-4182011-again/</link>
		<comments>http://ncfhaexpert.com/fha/fha-pmi-changes-4182011-again/#comments</comments>
		<pubDate>Wed, 16 Feb 2011 20:49:57 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[fha mip]]></category>
		<category><![CDATA[fha mortgage insurance]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[fha mortgage loans cary]]></category>
		<category><![CDATA[fha pmi]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1222</guid>
		<description><![CDATA[FHA Announced that they will be changing their Mortgage Insurance Premiums (sometimes called MIP or PMI) again effective April 18, 2011. This change, like so many others is not going to make the program any cheaper! FHA does not underwrite mortgages - they insure them against default, just like Private Mortgage Insurance Companies.  Because of [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-pmi-changes-4182011-again/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>FHA Guidelines About Using Rental Income in NC</title>
		<link>http://ncfhaexpert.com/fha/fha-guidelines-about-using-rental-income-in-nc/</link>
		<comments>http://ncfhaexpert.com/fha/fha-guidelines-about-using-rental-income-in-nc/#comments</comments>
		<pubDate>Wed, 08 Dec 2010 21:53:30 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha guidelines]]></category>
		<category><![CDATA[fha guidelines rental ncome]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[fha new job]]></category>
		<category><![CDATA[FHA Programs]]></category>
		<category><![CDATA[fha rental income]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1154</guid>
		<description><![CDATA[If you are moving to North Carolina, and you are going to rent your current home, there are a couple of things you should know about qualifying for an FHA Mortgage Loan for your new house. If you qualify for both payments &#8211; then it&#8217;s a pretty easy deal. If you need to count some [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-guidelines-about-using-rental-income-in-nc/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA and VA Mortgage Loan Guidelines Waiting Periods</title>
		<link>http://ncfhaexpert.com/fha/fha-and-va-mortgage-loan-guidelines-waiting-periods/</link>
		<comments>http://ncfhaexpert.com/fha/fha-and-va-mortgage-loan-guidelines-waiting-periods/#comments</comments>
		<pubDate>Mon, 25 Oct 2010 13:56:44 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[fha guidelines after bankruptcy]]></category>
		<category><![CDATA[fha guidelines after short sale]]></category>
		<category><![CDATA[FHA Guidelines waiting period]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[va guidelines short sale]]></category>
		<category><![CDATA[VA home loan]]></category>
		<category><![CDATA[VA Mortgage Loan]]></category>
		<category><![CDATA[va mortgage loan guidelines waiting period]]></category>
		<category><![CDATA[va mortgage loans]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1140</guid>
		<description><![CDATA[If you&#8217;re like millions of American&#8217;s the last couple of years have been tough.  People who have lost their jobs, or their houses, or their business didn&#8217;t just wake up one morning and say, &#8220;Oh, instead of making my payments, I think I&#8217;ll take a trip to Belize!&#8221; They never imagined they would be one [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-and-va-mortgage-loan-guidelines-waiting-periods/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>FHA Adding Capital Fast Enough?</title>
		<link>http://ncfhaexpert.com/fha/fha-adding-capital-fast-enough/</link>
		<comments>http://ncfhaexpert.com/fha/fha-adding-capital-fast-enough/#comments</comments>
		<pubDate>Mon, 27 Sep 2010 19:03:16 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[fha mip]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[FHA Programs]]></category>
		<category><![CDATA[fha streamline refinance]]></category>
		<category><![CDATA[mip]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1107</guid>
		<description><![CDATA[David Stevens, the head of FHA answered questions last week about weather or not his agency would need a &#8220;Bailout&#8221; from taxpayers. FHA doesn&#8221;t make loans, but they insure them, and with so many people without jobs, and properties being foreclosed on&#8230; that insurance fund has been tapped into pretty hard. That&#8217;s one of the [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-adding-capital-fast-enough/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is It Time To Refinance?</title>
		<link>http://ncfhaexpert.com/fha/is-it-time-to-refinance/</link>
		<comments>http://ncfhaexpert.com/fha/is-it-time-to-refinance/#comments</comments>
		<pubDate>Sat, 18 Sep 2010 19:03:53 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[best mortgage rates cary]]></category>
		<category><![CDATA[equity line]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[fha streamline refinance]]></category>
		<category><![CDATA[fha streamline refinance nc]]></category>
		<category><![CDATA[mortgage interest rates]]></category>
		<category><![CDATA[mortgage rates cary]]></category>
		<category><![CDATA[refinance guidelines]]></category>
		<category><![CDATA[streamline refinance]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[va mortgage loans]]></category>
		<category><![CDATA[va streamline refinance]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1002</guid>
		<description><![CDATA[Many of the people we are talking with WANT to refinance &#8211; but they figure it&#8217;s probably not worth it. Generally those sentiments run from two different camps, either the homeowner is concerned that they have no equity in the home to refinance (and don&#8217;t want to pay closing costs out of pocket), or they [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/is-it-time-to-refinance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Property Requirements on FHA</title>
		<link>http://ncfhaexpert.com/fha/property-requirements-on-fha/</link>
		<comments>http://ncfhaexpert.com/fha/property-requirements-on-fha/#comments</comments>
		<pubDate>Thu, 26 Aug 2010 23:17:39 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha 203k]]></category>
		<category><![CDATA[fha appraisals]]></category>
		<category><![CDATA[fha cary]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=926</guid>
		<description><![CDATA[We&#8217;ve talked to several people in the last couple of days who want to purchase homes using FHA&#8217;s 3.5% down payment program&#8230; and they are trying to purchase some &#8220;unusual&#8221; properties. (Click here for more on 2010 Appraisal Requirements) Here are some GENERAL notes: FHA 203K loans: These loans are &#8220;construction loans&#8221; that FHA makes.  [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/property-requirements-on-fha/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>One Borrower Has Income One Borrower Has Credit Score</title>
		<link>http://ncfhaexpert.com/fha/one-borrower-has-income-one-borrower-has-credit-score/</link>
		<comments>http://ncfhaexpert.com/fha/one-borrower-has-income-one-borrower-has-credit-score/#comments</comments>
		<pubDate>Wed, 18 Aug 2010 12:14:01 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[fha home loan]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[income requirements]]></category>
		<category><![CDATA[no down payment]]></category>
		<category><![CDATA[no downpayment]]></category>
		<category><![CDATA[non occupying co borrower]]></category>
		<category><![CDATA[usda home loan]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[VA Mortgage Loan]]></category>
		<category><![CDATA[va mortgage loans]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=907</guid>
		<description><![CDATA[When one borrower has most of the income&#8230; the other borrower has good credit scores&#8230; there ARE options for purchasing a home. Look at the question we had yesterday: &#8220;We want to purchase a home, and I want to know if we can get it.  My husband currently has a mid credit score of 538, [...]]]></description>
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		<slash:comments>1</slash:comments>
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